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NBTB · Nbt Bancorp Inc

Track NBTB — free
$52.87 +0.08 (+0.15%) At close · Oct 23
Market Cap
$2.75B
Shares
51.96M
Volume · Oct 23 302.55K Avg daily vol (3M) 324.94K

Price & Indicators

Drag to pan · scroll to zoom
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$52.87 Open$52.47 Day$52.43–53.06 52W close$39.61–54.26 Avg vol 30d347K Short int2.7M · 5.2% float · 6.8d Short vol85% Last earningsJul 27, 2026 DataJan 2020–Oct 2026 Filing10-Q · Aug 7

Up next

filed Aug 7, 2026
call held Apr 24, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$742.39M
Trailing 12 months
Net income (TTM)
$214.15M
Trailing 12 months
Revenue growth YoY
+9.1%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
12.8
Trailing earnings · reciprocal yield 7.8%
FCF yield
8.9%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
2.9%
Trailing 12 months
Shares change YoY
+2.8%
Year over year · more shares
Price change (1Y)
+31.1%
Trailing year
Short interest
5.2%
Latest settlement · 6.8 days to cover
View all 122 metrics

Equibles Rating

blended score · not investment advice
Overall
Strong Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Very Low
Market backdrop VIX 19.5 · elevated Equity put/call 0.67
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +11%
above
Price vs 50-day avg +3%
above
RSI (14) 65
neutral
MACD trend Positive
52-week position 91%
near high
Volume (OBV) Bearish div.
distributing
Momentum
relative strength
Very Strong
1-month return +3%
trailing
6-month return +20%
trailing
YTD return +27%
this year
Relative strength +14%
vs S&P · 6-mo
Sentiment
smart money
Bearish
Trend (MA cross) No cross
50d $51 › 200d $47 — 50d above 200d
Institutional flow Distributing
58 of 286 funds reported for Sep 30 · net -36.8K sh shares · +6 new
Insider flow Distributing
Net -$730.8K over 90 days · 100% sells
Short interest Rising
5.24% of float · ▲ +13.8% MoM · 6.8 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
286 holders — mid 3-yr range
Squeeze score 68
elevated · 0–100
Fundamentals
Excellent
Revenue growth +10%
Y/Y
EPS growth +12%
Y/Y
Valuation P/E 12.8
in line
Balance sheet $107.2M
net cash
Quant / Vol
risk profile
Very Low
Volatility 22%
annualized · 1-yr
Max drawdown −13%
past year
ATR 1.7%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Latest guidance · from the Earnings Call filed Apr 24, 2026
second quarter
Operating expense run rate $112M
2026
Operating expense increase 3% – 4%
going forward
Loan accretion $6M – $6.5M
Intangible asset amortization $3.5M
Residential solar portfolio runoff $100M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy
1 · 2 · 4
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+11% Bullish
Price vs 50-day avg
+3% Bullish
RSI (14)
65 Neutral
MACD trend
Positive Bullish
52-week position
91% Bullish
Volume (OBV)
Bearish div. Bearish
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross) No cross
50d $51 › 200d $47 — 50d above 200d
Institutional flow Distributing
58 of 286 funds reported for Sep 30 · net -36.8K sh shares · +6 new
Insider flow Distributing
Net -$730.8K over 90 days · 100% sells
Short interest Rising
5.24% of float · ▲ +13.8% MoM · 6.8 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
286 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $40 Now $53 · 91% Range high $54
vs 200-day avg +11% vs 50-day avg +3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Allowance for loan losses to total loans 1.18% the three months ended June 30, 2026 filing —
Average Price Paid Per Share $43.96 the three months ended June 30, 2026 filing —
FTE NIM non-GAAP 3.73% the three months ended June 30, 2026 filing —
Net charge-offs to average loans 0.16% the three months ended June 30, 2026 filing —
Tangible book value per share non-GAAP $27.71 the three months ended June 30, 2026 filing —
Tangible equity ratio non-GAAP 9.16% the three months ended June 30, 2026 filing —
Total Number of Shares Purchased 68,595 the three months ended June 30, 2026 filing —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
NBTB
Nbt Bancorp Inc
this stock
$2.75B +27.3% +10.4% 12.8 5.2%
MFG
Mizuho Financial Group Inc
$115.53B +30.7% — — 0.1%
HDB
Hdfc Bank Ltd
$113.60B -39.5% -3.2% — 0.7%
ITUB
Itau Unibanco Holding S.A.
$106.58B +35.1% — — 0.2%
IBN
Icici Bank Ltd
$105.76B -1.1% — — 0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
288
% held
67.7%
Reported
58 of 286
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
285
View
Short & Settlement
Short Interest Rising
Shares short
2.7M
Days to cover
6.8d
Change
+331.2K sh
View
Short Volume
Short vol %
85%
As of
Oct 23, 2026
Short Total
View
Fails to Deliver
FTD shares
874
Value
$44.1K
As of
Sep 24, 2026
View
Off-Exchange
Off-exchange %
24.2%
Week of
Sep 14, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$730.8K
Buyers / Sellers
0 / 2
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$183.0M
Net income (FY)
$169.2M
EPS diluted
$3.33
View
Buybacks
Authorized
shares 2.0M
Remaining
shares 1.8M
Spent Remaining
View
Filings
SEC Filings
Latest
8-K
Filed
Sep 21, 2026
This year
13
View
Proposed Sales
Value
$244.4K
Shares
4.5K
Filed
Jul 29, 2026
View
Earnings & Events
Webcasts
Last webcast
Jul 28, 2026
View

Performance

5D 20D 120D MTD YTD
NBTB +4.0% +2.5% +20.0% +5.4% +27.3%
SPY -0.4% -1.5% +5.8% -0.4% +11.5%
vs SPY +4.4% +4.0% +14.1% +5.8% +15.9%

Capital returns

Latest dividend
$0.40 / share · ex Sep 1, 2026
Raised 8.1%
Paid (TTM)
$1.51 / share · 4 payouts
Dividend yield (TTM, derived)
2.86%
Full dividend history
Buyback program · as of Dec 31, 2025
Authorized
shares 2.00M
Spent (derived)
shares 250,000
Remaining
shares 1.75M
Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 790359 CUSIP 628778102 13F (30d) 52 filings 52 filers Visit website Investor relations